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Smart Employee Benefits Inc (SEB.CA) Stock Fundamental Analysis

TSX-V:SEB - TSX Venture Exchange - CA83172K1030 - Common Stock - Currency: CAD

0.3  +0.01 (+1.69%)

Fundamental Rating

0

SEB gets a fundamental rating of 0 out of 10. The analysis compared the fundamentals against 66 industry peers in the Software industry. Both the profitability and financial health of SEB have multiple concerns. SEB does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

SEB had negative earnings in the past year.
In the past year SEB has reported a negative cash flow from operations.
SEB.CA Yearly Net Income VS EBIT VS OCF VS FCFSEB.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 0 -5M -10M

1.2 Ratios

SEB has negative profitability rations, so we won't be analyzing them here.
Industry RankSector Rank
ROA N/A
ROE N/A
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
SEB.CA Yearly ROA, ROE, ROICSEB.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 0 100 -100 -200

1.3 Margins

SEB's Gross Margin of 33.23% is on the low side compared to the rest of the industry. SEB is outperformed by 65.88% of its industry peers.
In the last couple of years the Gross Margin of SEB has grown nicely.
SEB does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 33.23%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y5.49%
GM growth 5Y15.03%
SEB.CA Yearly Profit, Operating, Gross MarginsSEB.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 0 10 -10 20 30

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0

2. Health

2.1 Basic Checks

SEB does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, SEB has more shares outstanding
The debt/assets ratio for SEB is higher compared to a year ago.
SEB.CA Yearly Shares OutstandingSEB.CA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 50M 100M 150M
SEB.CA Yearly Total Debt VS Total AssetsSEB.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 10M 20M 30M 40M 50M

2.2 Solvency

Based on the Altman-Z score of -1.24, we must say that SEB is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of SEB (-1.24) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF N/A
Altman-Z -1.24
ROIC/WACCN/A
WACC9.27%
SEB.CA Yearly LT Debt VS Equity VS FCFSEB.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 0 10M -10M

2.3 Liquidity

SEB has a Current Ratio of 0.47. This is a bad value and indicates that SEB is not financially healthy enough and could expect problems in meeting its short term obligations.
SEB's Current ratio of 0.47 is on the low side compared to the rest of the industry. SEB is outperformed by 78.82% of its industry peers.
SEB has a Quick Ratio of 0.47. This is a bad value and indicates that SEB is not financially healthy enough and could expect problems in meeting its short term obligations.
SEB has a Quick ratio of 0.46. This is in the lower half of the industry: SEB underperforms 77.65% of its industry peers.
Industry RankSector Rank
Current Ratio 0.47
Quick Ratio 0.46
SEB.CA Yearly Current Assets VS Current LiabilitesSEB.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 10M 20M 30M 40M 50M

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3. Growth

3.1 Past

The earnings per share for SEB have decreased strongly by -128.87% in the last year.
Looking at the last year, SEB shows a small growth in Revenue. The Revenue has grown by 7.88% in the last year.
SEB shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -8.67% yearly.
EPS 1Y (TTM)-128.87%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-107.05%
Revenue 1Y (TTM)7.88%
Revenue growth 3Y-7.11%
Revenue growth 5Y-8.67%
Sales Q2Q%3.36%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
SEB.CA Yearly Revenue VS EstimatesSEB.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 20M 40M 60M 80M
SEB.CA Yearly EPS VS EstimatesSEB.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 -0.01 -0.02 -0.03 -0.04

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0

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for SEB. In the last year negative earnings were reported.
Industry RankSector Rank
PE N/A
Fwd PE N/A
SEB.CA Price Earnings VS Forward Price EarningsSEB.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0 0 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
SEB.CA Per share dataSEB.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 0.1 -0.1 0.2 0.3

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

No dividends for SEB!.
Industry RankSector Rank
Dividend Yield N/A

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Smart Employee Benefits Inc

TSX-V:SEB (3/3/2023, 7:00:00 PM)

0.3

+0.01 (+1.69%)

Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)N/A N/A
Earnings (Next)N/A N/A
Inst Owners0.01%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap49.73M
Analysts0
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 0.77
P/FCF N/A
P/OCF N/A
P/B N/A
P/tB N/A
EV/EBITDA N/A
EPS(TTM)-0.05
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-0.08
FCFYN/A
OCF(TTM)-0.08
OCFYN/A
SpS0.39
BVpS-0.13
TBVpS-0.2
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA N/A
ROE N/A
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 33.23%
FCFM N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y5.49%
GM growth 5Y15.03%
F-Score1
Asset Turnover1.68
Health
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 7.14%
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.47
Quick Ratio 0.46
Altman-Z -1.24
F-Score1
WACC9.27%
ROIC/WACCN/A
Cap/Depr(3y)4.79%
Cap/Depr(5y)9.63%
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-128.87%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-107.05%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)7.88%
Revenue growth 3Y-7.11%
Revenue growth 5Y-8.67%
Sales Q2Q%3.36%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-1144.11%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-418.68%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-399.87%
OCF growth 3YN/A
OCF growth 5YN/A